I suggest separate systems for the first and second floor. That is the best way to have even temperatures on each floor. It costs more up front, but you potentially have lower operating costs. You could zone the loft off the second floor system. However if you are going to be working 10 hours days with multiple pieces of equipment generating heat then spend the money on a mini split.

My Texas house had two Trane furnace/AC units in the attic, and they were suspended from the roof rafters with metal strapping. The drain/condensate pan was then suspended under the A/C unit. This was a very common installation in that area. The units were not connected to the ceiling joists in the room below and did not touch them, so there was no direct transmission of vibration. You could tell the unit above the bedroom was running, but that was because you could hear the air flow into and out of the room (each bedroom had an air return). Bruce

WHAT IS A HIGH LIMIT SWITCH? https://www.newcentralairconditioner.com/ The high limit switch in your gas furnace is a small part with two very important jobs. This switch plays a role in the normal operation of your furnace. Turning the fan motor on and off is the high limit switch’s main job. This is the role it plays in every cycle of your furnace’s normal operation. But that’s not the only thing that the high limit switch does. It’s also safety device that helps prevent your furnace from overheating. The high limit switch consists of a long temperature-sensing probe attached to a metal mounting plate. From the mounting plate, the switch is wired to the blower fan motor and to the gas valve. The switch is generally located just past the heat exchanger. This is so that it can detect the temperature of the supply air. In other words, the air that’s about to be blown into your home.

The biggest problem with HVAC zone systems is knowing when to choose it as a solution and when not to. Some HVAC companies it's about "sell, sell, sell" whether or not it works... there's more money in "sell, sell, sell" --- when it's only about money? So does the comment above mean I do it for free? No. If you think that you are reading things that aren't there. New construction? best to choose separate systems 9 times out of 10. In order for a zone system to work, you have to know what you are doing. Most HVAC companies staff (the techs they send you) are 20-30 year olds. How much practical experience could they possible have? It's best for HVAC zone systems to be an elegant solution. A HVAC zone system is a tool in the tool bag. Not all homes are suitable for zone systems. Some homes there is no other way, and in some cases complications to those problems will make an HVAC zone system design possibly more prone to problems. You have a problem now, do you want more problems. These decisions among others are decided "in person" --- so considering that becareful what information you decide upon from the internet. Just because it's here doesn't necessarily mean it's true. That said: Depending on equipment level chosen, how many different floors you have in your structure, how much room you have available... will all be factors that make you decide one way or another. From there it's in your best interest to pick a contractor that is skilled: especially when it comes to HVAC zone systems. (there's a lot of garbage out there.) (click to enlarge if necessary) I service the Katy, Texas area.